Estimates only — not tax advice. Federal brackets use the 2025 IRS schedule and may not reflect the current year's published numbers. FICA is Social Security (6.2% up to $176,100 wage base) plus Medicare (1.45%, plus 0.9% additional Medicare over $200K single / $250K MFJ). State is a single approximate effective rate per state — Pennsylvania, New Jersey, and a handful of others tax 401(k) contributions at the state level; this model simplifies that. The "Saver's Credit," IRA contributions, Roth, HSA, ACA premium subsidies, and other phaseouts are NOT modeled. Standard deduction and Child Tax Credit are applied based on filing status only — itemized deductions are ignored. Your actual federal tax, state tax, FICA, and net paycheck will differ. Consult a qualified CPA or tax professional before changing your contribution or W-4 withholding.